To purchase a new house and apply for a housing provident fund loan, you need to provide the following materials: (1) commercial housing sales contract: the text of "retained by the loan bank" (1 original, 2 copies) and the copy of "retained by the housing ownership registration agency (or transaction management center)" (1 original, 1 copy. (2) Down payment receipt (1 original, 4 copies). (3) The ID card and household registration book of the loan applicant and the * * * loan applicant (1 original and 5 copies respectively) (the ID card needs to be copied on the front and back, and the household registration book contains the account page). (4) Proof of marriage relationship (marriage certificate or household registration book is the same as household registration book) (1 original and 5 copies). (5) If there are other * * * loan applicants (* * * owners), they should provide their ID card and proof of immediate family members (the household registration book is the same as the household registration book or the certificate issued by the public security notary department) (65438+ 0 originals and 5 copies respectively). (6) If the loan applicant (including * * * the same loan applicant) is single, he/she shall sign a single declaration on the spot when handling the loan (female is 20 years old, male is 22 years old). (7) Borrower's (including borrower's) housing accumulation fund card (each 1 original). (8) To apply for housing provident fund and commercial portfolio loans, the personal income certificate (1 original, 1 copy) issued by the unit where the loan applicant (including the same loan applicant) works shall also be provided.
2. What materials should be prepared for provident fund loans?
The following materials are required for provident fund loans: 1, ID card: 1 original and copy; 2. House purchase contract and loan contract: provident fund contract or commercial loan contract, with 2 copies of combined loan, original and copy1; 3. Purchase invoice: 1 original and photocopy (there are generally two first-hand housing mortgages, one is down payment and the other is loan; 4. Application form for withdrawal of provident fund: 1 copy. Need to be reminded that the application form for provident fund withdrawal needs the seal of the unit, and it must be the seal of the provident fund payment company; 5. Real estate license: 1 original and photocopy; 6. Deed tax payment: original and photocopy 1 (not required for buying a first-hand house). The process of provident fund loan is as follows: 1. Submit a written application to the bank, fill in the application form for provident fund withdrawal and prepare the above materials; 2. The bank accepts and reports to the provident fund center, which approves the loan and informs the bank of the approval result; 3. The bank informs the applicant to go through the loan procedures, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract; 4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes.
Three, provident fund loan preparation materials?
Housing provident fund loans need to prepare materials are:
1. Copy of ID card of borrower and spouse;
2. Copy of the household registration book of the borrower and spouse;
3. The original income certificate of the borrower and spouse;
4. A copy of the borrower's marriage certificate;
5 commercial housing sales contracts, contract information filing summary table;
6. A copy of the house advance notice registration certificate;
7. Pre-sale permit for commercial housing.
What materials do Shanghai provident fund loans need?
Shanghai provident fund loan demand
First, married applicants or divorced people provide a single commitment letter;
2. Applicant and account number;
Three, the original and photocopy of the ID card, the original and photocopy of the household registration book, minors need to provide supervision.
Four. Pre-sale contract and auction house notice
5. Original and photocopy of the down payment invoice for house purchase;
6. Account number of the sales unit;
7. Original and photocopy of debit card.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
202 1 The Ministry of Housing and Urban-Rural Development confirmed the national housing provident fund service logo and decided to start using it from now on.
Development:
The Ministry is working with various departments to study and revise the Regulations on the Administration of Housing Rent Payment by Housing Provident Fund. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency.
20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers.
20 15 "regulations on the management of housing provident fund (revised draft for comments)" proposes that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and higher than 12%. From February 2065438 to February 2006, the interest rate was adjusted to one line, and the increased interest rate was 1.50%.
The housing provident fund management center will be "networked" and handle the transfer and connection of housing provident fund in different places through a unified platform.
On May 5, 20 18, Beijing Housing Provident Fund Management Center issued the Notice on Cancelling the Copy of Identification Materials as a Requirement for Withdrawing Housing Provident Fund and Handling Loan Business.
202 1 July1day People's Republic of China (PRC) * * * and the national housing and urban and rural housing provident fund service logo decided to start from now on.